Column

Housing market

Table specification

Month Date Amortization Interest (%) Loan to pay Loan paid Loan paid (%) Interest Amortization (%) Pay per month
35 Aug 2021 2’583 1.38 1’462’178 87’822 5.7 1’681.50 2.11985 4’264.50
34 Jul 2021 2’583 1.38 1’464’761 85’239 5.5 1’684.48 2.11611 4’267.48
33 Jun 2021 2’583 1.38 1’467’344 82’656 5.3 1’687.45 2.11239 4’270.45
32 Maj 2021 2’583 1.38 1’469’927 80’073 5.2 1’690.42 2.10868 4’273.42
31 Apr 2021 2’583 1.38 1’472’510 77’490 5.0 1’693.39 2.10498 4’276.39
30 Mar 2021 2’583 1.38 1’475’093 74’907 4.8 1’696.36 2.10129 4’279.36
29 Feb 2021 2’583 1.38 1’477’676 72’324 4.7 1’699.33 2.09762 4’282.33
28 Jan 2021 2’583 1.38 1’480’259 69’741 4.5 1’702.30 2.09396 4’285.30
27 Dec 2020 2’583 1.38 1’482’842 67’158 4.3 1’705.27 2.09031 4’288.27
26 Nov 2020 2’583 1.38 1’485’425 64’575 4.2 1’708.24 2.08668 4’291.24
25 Okt 2020 2’583 1.38 1’488’008 61’992 4.0 1’711.21 2.08305 4’294.21
24 Sep 2020 2’583 1.38 1’490’591 59’409 3.8 1’714.18 2.07944 4’297.18
23 Aug 2020 2’583 1.38 1’493’174 56’826 3.7 1’717.15 2.07585 4’300.15
22 Jul 2020 2’583 1.38 1’495’757 54’243 3.5 1’720.12 2.07226 4’303.12
21 Jun 2020 2’583 1.38 1’498’340 51’660 3.3 1’723.09 2.06869 4’306.09
20 Maj 2020 2’583 1.38 1’500’923 49’077 3.2 1’726.06 2.06513 4’309.06
19 Apr 2020 2’583 1.38 1’503’506 46’494 3.0 1’729.03 2.06158 4’312.03
18 Mar 2020 2’583 1.38 1’506’089 43’911 2.8 1’732.00 2.05805 4’315.00
17 Feb 2020 2’583 1.38 1’508’672 41’328 2.7 1’734.97 2.05452 4’317.97
16 Jan 2020 2’583 1.38 1’511’255 38’745 2.5 1’737.94 2.05101 4’320.94
15 Dec 2019 2’583 1.38 1’513’838 36’162 2.3 1’740.91 2.04751 4’323.91
14 Nov 2019 2’583 1.38 1’516’421 33’579 2.2 1’743.88 2.04402 4’326.88
13 Okt 2019 2’583 1.38 1’519’004 30’996 2.0 1’746.85 2.04055 4’329.85
12 Sep 2019 2’583 1.38 1’521’587 28’413 1.8 1’749.83 2.03708 4’332.83
11 Aug 2019 2’583 1.38 1’524’170 25’830 1.7 1’752.80 2.03363 4’335.80
10 Jul 2019 2’583 1.38 1’526’753 23’247 1.5 1’755.77 2.03019 4’338.77
9 Jun 2019 2’583 1.38 1’529’336 20’664 1.3 1’758.74 2.02676 4’341.74
8 Maj 2019 2’583 1.38 1’531’919 18’081 1.2 1’761.71 2.02334 4’344.71
7 Apr 2019 2’583 1.38 1’534’502 15’498 1.0 1’764.68 2.01994 4’347.68
6 Mar 2019 2’583 1.38 1’537’085 12’915 0.8 1’767.65 2.01654 4’350.65
5 Feb 2019 2’583 1.38 1’539’668 10’332 0.7 1’770.62 2.01316 4’353.62
4 Jan 2019 2’583 1.38 1’542’251 7’749 0.5 1’773.59 2.00979 4’356.59
3 Dec 2018 2’583 1.38 1’544’834 5’166 0.3 1’776.56 2.00643 4’359.56
2 Nov 2018 2’583 1.38 1’547’417 2’583 0.2 1’779.53 2.00308 4’362.53
1 Okt 2018 2’583 1.38 1’550’000 0 0.0 1’782.50 1.99974 4’365.50

Column

Loan payed

Summary costs and possible gains (assuming 30% tax on the gain)

Month Percentile Estimated value Down payment Loan Loan left Loan paid Gain
35 Ref 2’000’000 450’000 1’550’000 1’462’178 87’822 537’822
35 10% 2’000’155 450’000 1’550’000 1’462’178 87’822 537’931
35 15% 2’028’377 450’000 1’550’000 1’462’178 87’822 557’686
35 20% 2’057’069 450’000 1’550’000 1’462’178 87’822 577’770
35 25% 2’086’584 450’000 1’550’000 1’462’178 87’822 598’431
35 30% 2’100’000 450’000 1’550’000 1’462’178 87’822 607’822
35 35% 2’100’000 450’000 1’550’000 1’462’178 87’822 607’822
35 40% 2’139’994 450’000 1’550’000 1’462’178 87’822 635’818
35 45% 2’194’985 450’000 1’550’000 1’462’178 87’822 674’311
35 50% 2’199’984 450’000 1’550’000 1’462’178 87’822 677’811
35 55% 2’201’414 450’000 1’550’000 1’462’178 87’822 678’812
35 60% 2’217’149 450’000 1’550’000 1’462’178 87’822 689’826
35 65% 2’231’803 450’000 1’550’000 1’462’178 87’822 700’084
35 70% 2’243’578 450’000 1’550’000 1’462’178 87’822 708’326
35 75% 2’262’504 450’000 1’550’000 1’462’178 87’822 721’575
35 80% 2’290’013 450’000 1’550’000 1’462’178 87’822 740’831
35 85% 2’317’505 450’000 1’550’000 1’462’178 87’822 760’075
35 90% 2’344’987 450’000 1’550’000 1’462’178 87’822 779’313

Structure of the amount per month paid